{"id":5886,"date":"2025-09-18T10:14:09","date_gmt":"2025-09-18T09:14:09","guid":{"rendered":"https:\/\/recette.msh-intl.com\/neotempo\/"},"modified":"2026-08-24T14:33:48","modified_gmt":"2026-08-24T13:33:48","slug":"neotempo","status":"publish","type":"page","link":"https:\/\/www.msh-intl.com\/en\/neotempo\/","title":{"rendered":"neoTempo"},"content":{"rendered":"
[vc_row full_width=”stretch_row_content_no_spaces” equal_height=”yes” content_placement=”middle” pix_particles_check=”” btn_text=”Obtenir un devis” btn_target=”” btn_popup_id=”” btn_title_bold=”” btn_italic=”” btn_secondary_font=”” btn_style=”” btn_color=”primary” btn_remove_padding=”” btn_text_color=”” btn_size=”md” btn_rounded=”” btn_effect=”” btn_hover_effect=”” btn_add_hover_effect=”” btn_icon_position=”” btn_icon_animation=”” btn_full=”” btn_text_align=”text-center” btn_div=”” btn_animation=”” btn_link=”#” btn_class=”arrow-right-back-white-hover btn-devis” btn_text_custom_color=”” btn_icon=”” btn_anim_delay=”” btn_id=”” el_class=”header-classic1 solutions-page lp7-2″][vc_column width=”1\/2″ el_class=”paadtexte”]

neoTempo,
\n Short-stay insurance that covers you just as well as an expat
\n<\/span><\/h1>\n

For expats who don\u2019t want to commit to a traditional insurance plan: Whether you\u2019re an entrepreneur, a seasonal worker, digital nomad, freelancer, consultant, or living across several countries, neoTempo offers great flexibility and full coverage from 3 months to 3 years. <\/p>\n<\/p><\/div>[vc_raw_html css=”” el_class=”inlinbtn”]JTBBJTBBJTBBJTNDYSUyMGhyZWYlM0QlMjIlMkZlbiUyRmNvbnRhY3QtdXMlMjIlMjBjbGFzcyUzRCUyMmxpbmstMyUyMHdpdGgtaW1hZ2UtbGluay1hY2YlMjBhcnJvdy1yaWdodC1wdXJwbGUlMjBjb250YWN0LXVzJTIyJTNFJTBBJTIwJTIwJTIwJTIwJTNDc3BhbiUyMGNsYXNzJTNEJTIyc3Bhbi0xJTIyJTNFJTNDJTJGc3BhbiUzRSUwQSUyMCUyMCUyMCUyMCUzQ3NwYW4lMjBjbGFzcyUzRCUyMnNwYW4tMiUyMGFuaW0tcmlnaHQlMjIlM0UlMEElMjAlMjAlMjAlMjAlMjAlMjAlMjAlMjBDb250YWN0JTIwYW4lMjBhZHZpc29yJTBBJTIwJTIwJTIwJTIwJTNDJTJGc3BhbiUzRSUwQSUzQyUyRmElM0UlMEE=[\/vc_raw_html]Get a quote<\/span><\/a>

We are available at +33144204877<\/span><\/a><\/p>\n<\/p><\/div>[\/vc_column][vc_column width=”1\/2″ el_class=”image-width100 width_40_header”]

\"Image<\/div><\/div>[\/vc_column][\/vc_row][vc_row full_width=”stretch_row” pix_particles_check=”” el_class=”expat-section lp7-2″][vc_column][vc_row_inner el_class=”width1090″][vc_column_inner]

neoTempo: the insurance solution for modern expats<\/h2>\n<\/p><\/div>[\/vc_column_inner][\/vc_row_inner][vc_row_inner equal_height=”yes” gap=”30″ el_class=”row_expat-card”][vc_column_inner width=”1\/5″]

\n

Flexible<\/h3>\n

Extend your plan as many times as you want, for up to 36 months, with no price increases. Guaranteed!<\/p>\n<\/div><\/div>[\/vc_column_inner][vc_column_inner width=”1\/5″]

\n

Modular<\/h3>\n

Start with basic Hospitalization + assistance benefits, then add the options you want.<\/p>\n<\/div><\/div>[\/vc_column_inner][vc_column_inner width=”1\/5″]

\n

Accessible<\/h3>\n

Even with a complex medical history, you may still qualify. Why not check it out?<\/p>\n<\/div><\/div>[\/vc_column_inner][vc_column_inner width=”1\/5″]

\n

100% Digital<\/h3>\n

Sign up for the plan, download your documents, and submit your claims directly online.<\/p>\n<\/div><\/div>[\/vc_column_inner][vc_column_inner width=”1\/5″]

\n

Available 24\/7<\/h3>\n

Got a question, unsure about something, or in an emergency? We’re here to help 24\/7 in your preferred language.<\/p>\n<\/div><\/div>[\/vc_column_inner][\/vc_row_inner]

Get a quote<\/span><\/a><\/div>[\/vc_column][\/vc_row][vc_row full_width=”stretch_row” pix_particles_check=”” el_class=”expat-curve”][vc_column][\/vc_column][\/vc_row][vc_row content_placement=”middle” pix_particles_check=”” el_id=”faq-devis” el_class=”width1090 faq-landing-width spaceplus bloc-formule lp7-2 faq-devis-sans-filtre”][vc_column width=”1\/2″ el_id=”faq-devis-1″]
Sign up for neoTempo<\/span><\/a>[\/vc_column][vc_column width=”1\/2″ el_id=”faq-devis-2″]

Make choices. Make changes. Make it yours.
\nThat\u2019s neoTempo!<\/span><\/h2>\n<\/p><\/div>

You\u2019re on your very own journey. And because it\u2019s personal to you, we\u2019ve created an insurance solution that meets your needs – no more, no less. No compulsory options that don’t work for you!<\/p>\n

Choose from the following coverage limits:\u00a0<\/strong>
\nBasic: \u20ac250,000<\/strong>
\nRegular: \u20ac400,000<\/strong>
\nPlus: \u20ac600,000<\/strong><\/p>\n

And add the benefits you want. Now make the most of your travel plans with neoTempo!<\/p>\n<\/p><\/div>Customize your insurance<\/span><\/a>[vc_raw_html css=”” el_class=”topplus inline-left”]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[\/vc_raw_html][\/vc_column][\/vc_row][vc_row pix_particles_check=”” el_class=”landing-parledenous exemple-formule”][vc_column]

Your benefits at a glance<\/span><\/h2>\n<\/p><\/div>

\n
\n\n \n
\n
\n
<\/div>\n\n \n
\n
\n\n \n
\n
\n \"\"\n
neoTempo<\/div>\n <\/div>\n\n
\n

Basic upper limit<\/h3>\n<\/div>\n

Hospitalization + Standard Assistance
\n+ Vision & Dental Option<\/p>\n<\/div>\n <\/div>\n\n

\n from<\/span>\n \u20ac29 \/ month<\/span>\n <\/span>\n <\/div>\n \n
\n \n Get a quote<\/span>\n <\/a>\n \n \n <\/div>\n <\/div>\n <\/div>\n <\/div>\n
\n
\n\n \n \n
\n
\n \"\"\n
neoTempo<\/div>\n <\/div>\n\n
\n

Basic upper limit<\/h3>\n<\/div>\n

Hospitalization + Standard Assistance
\n+ Routine healthcare Option<\/p>\n<\/div>\n <\/div>\n\n

\n from<\/span>\n \u20ac52 \/ month<\/span>\n <\/span>\n <\/div>\n \n
\n \n Get a quote<\/span>\n <\/a>\n \n \n <\/div>\n <\/div>\n <\/div>\n <\/div>\n
\n
\n\n \n
\n
\n \"\"\n
neoTempo<\/div>\n <\/div>\n\n
\n

Basic upper limit<\/h3>\n<\/div>\n

Hospitalization + Standard Assistance
\n+ Routine healthcare Option
\n+ Premium assistance Option<\/p>\n<\/div>\n <\/div>\n\n

\n from<\/span>\n \u20ac65 \/ month<\/span>\n <\/span>\n <\/div>\n \n
\n \n Get a quote<\/span>\n <\/a>\n \n \n <\/div>\n <\/div>\n <\/div>\n <\/div>\n \n \n \n \n
\n
\n

Upper limit<\/path><\/svg><\/h3>\n <\/div>\n
\n
Upper limit<\/div>\n <\/div>\n <\/div>\n\n \n
\n
\n
<\/div>\n
\n <\/span>\n \u20ac250,000<\/span>\n <\/div>\n <\/div>\n <\/div>\n
\n
\n
<\/div>\n
\n <\/span>\n \u20ac250,000<\/span>\n <\/div>\n <\/div>\n <\/div>\n
\n
\n
<\/div>\n
\n <\/span>\n \u20ac250,000<\/span>\n <\/div>\n <\/div>\n <\/div>\n \n \n
\n
\n

Hospitalization<\/path><\/svg><\/h3>\n <\/div>\n
\n
Emergency hospitalization<\/div>\n
Hospital room<\/div>\n
Planned hospitalization<\/div>\n
Emergency medical transportation<\/div>\n
Repatriation to the country of expatriation<\/div>\n
Assistance in the event of death<\/div>\n <\/div>\n <\/div>\n\n \n
\n
\n
<\/div>\n
\n <\/path><\/svg><\/span>\n <\/div>\n
\n <\/path><\/svg><\/span>\n <\/div>\n
\n <\/path><\/svg><\/span>\n <\/div>\n
\n <\/path><\/svg><\/span>\n <\/div>\n
\n <\/path><\/svg><\/span>\n <\/div>\n
\n <\/path><\/svg><\/span>\n <\/div>\n <\/div>\n <\/div>\n
\n
\n
<\/div>\n
\n <\/path><\/svg><\/span>\n <\/div>\n
\n <\/path><\/svg><\/span>\n <\/div>\n
\n <\/path><\/svg><\/span>\n <\/div>\n
\n <\/path><\/svg><\/span>\n <\/div>\n
\n <\/path><\/svg><\/span>\n <\/div>\n
\n <\/path><\/svg><\/span>\n <\/div>\n <\/div>\n <\/div>\n
\n
\n
<\/div>\n
\n <\/path><\/svg><\/span>\n <\/div>\n
\n <\/path><\/svg><\/span>\n <\/div>\n
\n <\/path><\/svg><\/span>\n <\/div>\n
\n <\/path><\/svg><\/span>\n <\/div>\n
\n <\/path><\/svg><\/span>\n <\/div>\n
\n <\/path><\/svg><\/span>\n <\/div>\n <\/div>\n <\/div>\n \n \n
\n
\n

Routine healthcare (option)<\/path><\/svg><\/h3>\n <\/div>\n
\n
Consultations for emergency and unforeseen situations<\/div>\n
Routine consultations<\/div>\n
Teleconsultations<\/div>\n <\/div>\n <\/div>\n\n \n
\n
\n
<\/div>\n
\n <\/svg><\/span>\n <\/div>\n
\n <\/svg><\/span>\n <\/div>\n
\n <\/svg><\/span>\n <\/div>\n <\/div>\n <\/div>\n
\n
\n
<\/div>\n
\n <\/path><\/svg><\/span>\n <\/div>\n
\n <\/path><\/svg><\/span>\n <\/div>\n
\n <\/path><\/svg><\/span>\n <\/div>\n <\/div>\n <\/div>\n
\n
\n
<\/div>\n
\n <\/path><\/svg><\/span>\n <\/div>\n
\n <\/path><\/svg><\/span>\n <\/div>\n
\n <\/path><\/svg><\/span>\n <\/div>\n <\/div>\n <\/div>\n \n \n
\n
\n

Vision and Dental (option)<\/path><\/svg><\/h3>\n <\/div>\n
\n
Emergency vision and dental care or following an accident<\/div>\n
Routine dental & vision care<\/div>\n
Orthodontics<\/div>\n <\/div>\n <\/div>\n\n \n
\n
\n
<\/div>\n
\n <\/path><\/svg><\/span>\n <\/div>\n
\n <\/path><\/svg><\/span>\n <\/div>\n
\n <\/path><\/svg><\/span>\n <\/div>\n <\/div>\n <\/div>\n
\n
\n
<\/div>\n
\n <\/svg><\/span>\n <\/div>\n
\n <\/svg><\/span>\n <\/div>\n
\n <\/svg><\/span>\n <\/div>\n <\/div>\n <\/div>\n
\n
\n
<\/div>\n
\n <\/svg><\/span>\n <\/div>\n
\n <\/svg><\/span>\n <\/div>\n
\n <\/svg><\/span>\n <\/div>\n <\/div>\n <\/div>\n \n \n
\n
\n

Preventive care (option)<\/path><\/svg><\/h3>\n <\/div>\n
\n
Prescribed and\/or mandatory vaccines<\/div>\n
Malaria treatment<\/div>\n <\/div>\n <\/div>\n\n \n
\n
\n
<\/div>\n
\n <\/svg><\/span>\n <\/div>\n
\n <\/svg><\/span>\n <\/div>\n <\/div>\n <\/div>\n
\n
\n
<\/div>\n
\n <\/svg><\/span>\n <\/div>\n
\n <\/svg><\/span>\n <\/div>\n <\/div>\n <\/div>\n
\n
\n
<\/div>\n
\n <\/svg><\/span>\n <\/div>\n
\n <\/svg><\/span>\n <\/div>\n <\/div>\n <\/div>\n \n \n
\n
\n

Premium assistance (option)<\/path><\/svg><\/h3>\n <\/div>\n
\n
Medical transportation and repatriation to the country of origin<\/div>\n
Repatriation of children in the event of the insured member\u2019s hospitalization<\/div>\n
Presence during the insured member's hospitalization<\/div>\n
Round trip to visit a loved one in hospital<\/div>\n
Third-party liability<\/div>\n <\/div>\n <\/div>\n\n \n
\n
\n
<\/div>\n
\n <\/svg><\/span>\n <\/div>\n
\n <\/svg><\/span>\n <\/div>\n
\n <\/svg><\/span>\n <\/div>\n
\n <\/svg><\/span>\n <\/div>\n
\n <\/svg><\/span>\n <\/div>\n <\/div>\n <\/div>\n
\n
\n
<\/div>\n
\n <\/svg><\/span>\n <\/div>\n
\n <\/svg><\/span>\n <\/div>\n
\n <\/svg><\/span>\n <\/div>\n
\n <\/svg><\/span>\n <\/div>\n
\n <\/svg><\/span>\n <\/div>\n <\/div>\n <\/div>\n
\n
\n
<\/div>\n
\n <\/path><\/svg><\/span>\n <\/div>\n
\n <\/path><\/svg><\/span>\n <\/div>\n
\n <\/path><\/svg><\/span>\n <\/div>\n
\n <\/path><\/svg><\/span>\n <\/div>\n
\n <\/path><\/svg><\/span>\n <\/div>\n <\/div>\n <\/div>\n \n <\/div>\n <\/div>\n\n \n
\n
\n
<\/div>\n\n
\n
\n\n \n
\n
\n \"\"\n
neoTempo<\/div>\n <\/div>\n\n
\n

Basic upper limit<\/h3>\n<\/div>\n

Hospitalization + Standard Assistance
\n+ Vision & Dental Option<\/p>\n<\/div>\n <\/div>\n\n

\n from<\/span>\n \u20ac29 \/ month<\/span>\n <\/span>\n <\/div>\n \n
\n \n Get a quote<\/span>\n <\/a>\n \n\n \n <\/div>\n <\/div>\n\n \n
\n
\n
\n

Upper limit<\/path><\/svg><\/h3>\n <\/div>\n
\n
\n <\/span>\n Upper limit<\/span>\n (\u20ac250,000)<\/span>\n <\/div>\n <\/div>\n <\/div>\n
\n
\n

Hospitalization<\/path><\/svg><\/h3>\n <\/div>\n
\n
\n <\/path><\/svg><\/span>\n Emergency hospitalization<\/span>\n <\/div>\n
\n <\/path><\/svg><\/span>\n Hospital room<\/span>\n <\/div>\n
\n <\/path><\/svg><\/span>\n Planned hospitalization<\/span>\n <\/div>\n
\n <\/path><\/svg><\/span>\n Emergency medical transportation<\/span>\n <\/div>\n
\n <\/path><\/svg><\/span>\n Repatriation to the country of expatriation<\/span>\n <\/div>\n
\n <\/path><\/svg><\/span>\n Assistance in the event of death<\/span>\n <\/div>\n <\/div>\n <\/div>\n
\n
\n

Routine healthcare (option)<\/path><\/svg><\/h3>\n <\/div>\n
\n
\n <\/svg><\/span>\n Consultations for emergency and unforeseen situations<\/span>\n <\/div>\n
\n <\/svg><\/span>\n Routine consultations<\/span>\n <\/div>\n
\n <\/svg><\/span>\n Teleconsultations<\/span>\n <\/div>\n <\/div>\n <\/div>\n
\n
\n

Vision and Dental (option)<\/path><\/svg><\/h3>\n <\/div>\n
\n
\n <\/path><\/svg><\/span>\n Emergency vision and dental care or following an accident<\/span>\n <\/div>\n
\n <\/path><\/svg><\/span>\n Routine dental & vision care<\/span>\n <\/div>\n
\n <\/path><\/svg><\/span>\n Orthodontics<\/span>\n <\/div>\n <\/div>\n <\/div>\n
\n
\n

Preventive care (option)<\/path><\/svg><\/h3>\n <\/div>\n
\n
\n <\/svg><\/span>\n Prescribed and\/or mandatory vaccines<\/span>\n <\/div>\n
\n <\/svg><\/span>\n Malaria treatment<\/span>\n <\/div>\n <\/div>\n <\/div>\n
\n
\n

Premium assistance (option)<\/path><\/svg><\/h3>\n <\/div>\n
\n
\n <\/svg><\/span>\n Medical transportation and repatriation to the country of origin<\/span>\n <\/div>\n
\n <\/svg><\/span>\n Repatriation of children in the event of the insured member\u2019s hospitalization<\/span>\n <\/div>\n
\n <\/svg><\/span>\n Presence during the insured member's hospitalization<\/span>\n <\/div>\n
\n <\/svg><\/span>\n Round trip to visit a loved one in hospital<\/span>\n <\/div>\n
\n <\/svg><\/span>\n Third-party liability<\/span>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n \n\n <\/div>\n <\/div>\n
\n
\n\n
\n
\n <\/path><\/svg>\n Preferred Solution<\/span>\n <\/div>\n <\/div>\n \n
\n
\n \"\"\n
neoTempo<\/div>\n <\/div>\n\n
\n

Basic upper limit<\/h3>\n<\/div>\n

Hospitalization + Standard Assistance
\n+ Routine healthcare Option<\/p>\n<\/div>\n <\/div>\n\n

\n from<\/span>\n \u20ac52 \/ month<\/span>\n <\/span>\n <\/div>\n \n
\n \n Get a quote<\/span>\n <\/a>\n \n\n \n <\/div>\n <\/div>\n\n \n
\n
\n
\n

Upper limit<\/path><\/svg><\/h3>\n <\/div>\n
\n
\n <\/span>\n Upper limit<\/span>\n (\u20ac250,000)<\/span>\n <\/div>\n <\/div>\n <\/div>\n
\n
\n

Hospitalization<\/path><\/svg><\/h3>\n <\/div>\n
\n
\n <\/path><\/svg><\/span>\n Emergency hospitalization<\/span>\n <\/div>\n
\n <\/path><\/svg><\/span>\n Hospital room<\/span>\n <\/div>\n
\n <\/path><\/svg><\/span>\n Planned hospitalization<\/span>\n <\/div>\n
\n <\/path><\/svg><\/span>\n Emergency medical transportation<\/span>\n <\/div>\n
\n <\/path><\/svg><\/span>\n Repatriation to the country of expatriation<\/span>\n <\/div>\n
\n <\/path><\/svg><\/span>\n Assistance in the event of death<\/span>\n <\/div>\n <\/div>\n <\/div>\n
\n
\n

Routine healthcare (option)<\/path><\/svg><\/h3>\n <\/div>\n
\n
\n <\/path><\/svg><\/span>\n Consultations for emergency and unforeseen situations<\/span>\n <\/div>\n
\n <\/path><\/svg><\/span>\n Routine consultations<\/span>\n <\/div>\n
\n <\/path><\/svg><\/span>\n Teleconsultations<\/span>\n <\/div>\n <\/div>\n <\/div>\n
\n
\n

Vision and Dental (option)<\/path><\/svg><\/h3>\n <\/div>\n
\n
\n <\/svg><\/span>\n Emergency vision and dental care or following an accident<\/span>\n <\/div>\n
\n <\/svg><\/span>\n Routine dental & vision care<\/span>\n <\/div>\n
\n <\/svg><\/span>\n Orthodontics<\/span>\n <\/div>\n <\/div>\n <\/div>\n
\n
\n

Preventive care (option)<\/path><\/svg><\/h3>\n <\/div>\n
\n
\n <\/svg><\/span>\n Prescribed and\/or mandatory vaccines<\/span>\n <\/div>\n
\n <\/svg><\/span>\n Malaria treatment<\/span>\n <\/div>\n <\/div>\n <\/div>\n
\n
\n

Premium assistance (option)<\/path><\/svg><\/h3>\n <\/div>\n
\n
\n <\/svg><\/span>\n Medical transportation and repatriation to the country of origin<\/span>\n <\/div>\n
\n <\/svg><\/span>\n Repatriation of children in the event of the insured member\u2019s hospitalization<\/span>\n <\/div>\n
\n <\/svg><\/span>\n Presence during the insured member's hospitalization<\/span>\n <\/div>\n
\n <\/svg><\/span>\n Round trip to visit a loved one in hospital<\/span>\n <\/div>\n
\n <\/svg><\/span>\n Third-party liability<\/span>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n \n\n <\/div>\n <\/div>\n
\n
\n\n \n
\n
\n \"\"\n
neoTempo<\/div>\n <\/div>\n\n
\n

Basic upper limit<\/h3>\n<\/div>\n

Hospitalization + Standard Assistance
\n+ Routine healthcare Option
\n+ Premium assistance Option<\/p>\n<\/div>\n <\/div>\n\n

\n from<\/span>\n \u20ac65 \/ month<\/span>\n <\/span>\n <\/div>\n \n
\n \n Get a quote<\/span>\n <\/a>\n \n\n \n <\/div>\n <\/div>\n\n \n
\n
\n
\n

Upper limit<\/path><\/svg><\/h3>\n <\/div>\n
\n
\n <\/span>\n Upper limit<\/span>\n (\u20ac250,000)<\/span>\n <\/div>\n <\/div>\n <\/div>\n
\n
\n

Hospitalization<\/path><\/svg><\/h3>\n <\/div>\n
\n
\n <\/path><\/svg><\/span>\n Emergency hospitalization<\/span>\n <\/div>\n
\n <\/path><\/svg><\/span>\n Hospital room<\/span>\n <\/div>\n
\n <\/path><\/svg><\/span>\n Planned hospitalization<\/span>\n <\/div>\n
\n <\/path><\/svg><\/span>\n Emergency medical transportation<\/span>\n <\/div>\n
\n <\/path><\/svg><\/span>\n Repatriation to the country of expatriation<\/span>\n <\/div>\n
\n <\/path><\/svg><\/span>\n Assistance in the event of death<\/span>\n <\/div>\n <\/div>\n <\/div>\n
\n
\n

Routine healthcare (option)<\/path><\/svg><\/h3>\n <\/div>\n
\n
\n <\/path><\/svg><\/span>\n Consultations for emergency and unforeseen situations<\/span>\n <\/div>\n
\n <\/path><\/svg><\/span>\n Routine consultations<\/span>\n <\/div>\n
\n <\/path><\/svg><\/span>\n Teleconsultations<\/span>\n <\/div>\n <\/div>\n <\/div>\n
\n
\n

Vision and Dental (option)<\/path><\/svg><\/h3>\n <\/div>\n
\n
\n <\/svg><\/span>\n Emergency vision and dental care or following an accident<\/span>\n <\/div>\n
\n <\/svg><\/span>\n Routine dental & vision care<\/span>\n <\/div>\n
\n <\/svg><\/span>\n Orthodontics<\/span>\n <\/div>\n <\/div>\n <\/div>\n
\n
\n

Preventive care (option)<\/path><\/svg><\/h3>\n <\/div>\n
\n
\n <\/svg><\/span>\n Prescribed and\/or mandatory vaccines<\/span>\n <\/div>\n
\n <\/svg><\/span>\n Malaria treatment<\/span>\n <\/div>\n <\/div>\n <\/div>\n
\n
\n

Premium assistance (option)<\/path><\/svg><\/h3>\n <\/div>\n
\n
\n <\/path><\/svg><\/span>\n Medical transportation and repatriation to the country of origin<\/span>\n <\/div>\n
\n <\/path><\/svg><\/span>\n Repatriation of children in the event of the insured member\u2019s hospitalization<\/span>\n <\/div>\n
\n <\/path><\/svg><\/span>\n Presence during the insured member's hospitalization<\/span>\n <\/div>\n
\n <\/path><\/svg><\/span>\n Round trip to visit a loved one in hospital<\/span>\n <\/div>\n
\n <\/path><\/svg><\/span>\n Third-party liability<\/span>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n \n\n <\/div>\n <\/div>\n \n <\/div>\n <\/div>\n\n <\/div>\n <\/div><\/div>[vc_raw_html css=”” el_class=”topplus inline-left”]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[\/vc_raw_html][vc_raw_html css=”” el_class=”topplus inline-left”]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[\/vc_raw_html][\/vc_column][\/vc_row][vc_row content_placement=”middle” pix_particles_check=”” el_class=”landing-arguments1 landing-6 raduis top_slid lp7-2″ css=”.vc_custom_1758393589249{padding-top: 64px !important;padding-bottom: 64px !important;background-color: #7900F00D !important;}”][vc_column]

Run through your coverage options and create
\nyour neoTempo package<\/span><\/h2>\n<\/p><\/div>

\n\n\n\n\n \n\n\n \n
\n
\n
\n\n \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n
\n\n \n
\n \"\" neoTempo Basic coverage<\/span> <\/div>\n \n\n \n
\n

With Basic upper limit
Core benefits + routine healthcare option<\/h3><\/div>\n <\/div>\n \n \n
\u20ac52 \/ month*<\/span><\/div>\n
*Price shown for reference only. Final amount may vary.<\/div>\n \n \n \n\n
\n
\n
\n \n \"\"\n Hospitalization + Standard assistance (included) <\/span>\n \n\n\n\n \n \n <\/svg>\n\n\n \n \n <\/svg>\n\n\n\n\n <\/span>\n <\/div>\n\n
\n
\n

These core benefits are included regardless of the options chosen. It allows you to be covered in the event of an accident or hospitalization and to be repatriated to your country of expatriation.<\/p>\n <\/div>\n <\/div>\n <\/div>\n

\n
\n \n \"\"\n Routine healthcare <\/span>\n \n\n\n\n \n \n <\/svg>\n\n\n \n \n <\/svg>\n\n\n\n\n <\/span>\n <\/div>\n\n
\n
\n

The routine healthcare option covers you in case of medical emergency, accident and illness (medical appointments, teleconsultations, drugs, examinations, physical therapy).<\/p>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n \n\n \n\n \n

\n

\u201c Even though I see myself as more of a traveler or a digital nomad than a traditional expat, I need protection that\u2019s just as strong. I haven\u2019t quite decided where I\u2019m going or what I\u2019m going to do but with neoTempo, I get the flexibility I need – plus great coverage! \u201d<\/p>\n <\/div>\n \n \n

\n \"\"
\n
David F.<\/div>
Freelance content writer living as an expatriate in Portugal<\/div> <\/div>\n <\/div>\n \n \n \n <\/article>\n \n \n
\n
\n
\n <\/g><\/g> <\/path> <\/g> <\/g><\/svg> \n <\/div> \n\n\n\n
\n <\/g><\/g> <\/path> <\/g> <\/g><\/svg> \n <\/div>\n <\/div>\n
<\/div><\/div>\n\n\n\n\n <\/div>\n\n \n <\/div>\n <\/div>\n <\/div>\n\n\n
\n
\n
\n
\n
\n
\n \"\" <\/figure>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n\n